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Obamacare’s requirement that all Americans carry insurance or face penalties may not be much of a rule at all.

Many may be exempt from the "individual mandate" requirement and can apply for an exemption. They include:

Homeless,

Homeowners who’ve been foreclosed upon,

Those whose utilities have been shut off,

Those who have suffered domestic violence,

Those who have experienced a death in their families, or

Anybody who believes they’ve had a “hardship in obtaining insurance”.

The exemption is active through 2016.

“If you’re a consumer and you’re looking at this, it leaves a lot of ambiguity,” Dan Mendelson, the president of Avalere Health, a Washington consulting firm. “You don’t know if you qualify for a hardship exemption but you are very likely to fall into one of these categories -- or are able to get into one of these categories.”